IDBI Bank Winnings RuPay Select Credit Card
Best for ruPay card with lounge access and UPI. 2 Delight Points per Rs 100; milestone 1,000 DP at Rs 1 lakh, 1,500 DP at Rs 2 lakh
Terms as of 2026-09-27 · Checked 28 September 2026IDBI Bank Winnings RuPay Select Credit Card at a glance
Who it suits: RuPay card with lounge access and UPI
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2 Delight Points per Rs 100; milestone 1,000 DP at Rs 1 lakh, 1,500 DP at Rs 2 lakh |
| Welcome benefit | 500 DP on activation + 500 DP on first txn of Rs 1,000+ in 30 days |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Domestic 2/quarter; international 2/half-year |
| Fuel surcharge | 1% on Rs 400-4,000, max Rs 400/month |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | ₹899 + GST |
| Fee waiver | Annual fee (from year 2) waived on spend above Rs 90,000/yr |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 (65 for self-employed); add-on 18+; Imperium 18+ against FD |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the IDBI Bank Winnings RuPay Select Credit Card?
Joining fee Free and annual fee ₹899 (plus 18% GST). Annual fee (from year 2) waived on spend above Rs 90,000/yr.
What rewards does it offer?
2 Delight Points per Rs 100; milestone 1,000 DP at Rs 1 lakh, 1,500 DP at Rs 2 lakh
Does it give airport lounge access?
Domestic 2/quarter; international 2/half-year
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the IDBI Bank Winnings RuPay Select Credit Card good for me?
Best for: RuPay card with lounge access and UPI. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.idbi.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IDBI Bank’s website before applying. FinancePortal is not affiliated with the issuer.